CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5% NeuCoins (Up to 10% total with NeuPass)
Earn 5% back as NeuCoins on non-EMI spends at Tata Neu and partner Tata brands (BigBasket, Croma, Westside, Tata 1mg, etc.). Earn 1.5% NeuCoins on all other eligible retail spends. Earn 1.5% NeuCoins on UPI spends via the RuPay variant (capped at 500 NeuCoins per month). NeuCoins on utility and telecom bills are capped at 2,000 per month.
Redeem for
The privileges that come bundled in, beyond the reward points.
Domestic Lounge Access: 8 complimentary visits per year (max 2 per quarter) to partner airport lounges across India (requires a minimum spend of ₹50,000 in the previous calendar quarter)
International Lounge Access: 4 complimentary visits per year (max 1 per quarter) outside India via Priority Pass (Visa) or RuPay International Lounge network
Annual Fee Waiver: The ₹1,499 + 18% GST renewal fee is waived upon achieving ₹3 Lakhs in annual spends in the preceding card anniversary year
Fuel Surcharge Waiver: 1% fuel surcharge waiver (up to ₹500 per statement cycle) at all fuel stations across India on transactions between ₹400 and ₹5,000
An honest read on where this card earns its keep — and where it doesn't.
Available as a RuPay credit card, allowing high-value 1.5% cashback on everyday UPI payments
Exceptional 5% to 10% return on shopping across the vast Tata ecosystem (Croma
BigBasket
Air India
1mg)
Simple, highly transparent 1 NeuCoin = ₹1 redemption value
Low 2% forex markup makes it decently affordable for international transactions
Welcome benefit of 1,499 NeuCoins entirely compensates for the joining fee
Domestic lounge access is locked behind a strict ₹50,000 quarterly spend hurdle
NeuCoins can ONLY be redeemed within the Tata Neu app (no statement credit or air miles transfer)
UPI cashback is strictly capped at a relatively low 500 NeuCoins per month
Wallet loads, fuel, rent, education payments via 3rd party apps, and government spends earn no rewards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Tata Neu Infinity HDFC Bank Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Tata Neu Infinity HDFC Bank Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Tata Neu Infinity HDFC Bank Credit Card fees, reward conversion, lounge access, and application eligibility.
Tata Neu Infinity HDFC Bank Credit Card has an annual fee of ₹1,499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Get 1,499 NeuCoins as a Welcome Benefit on making your first eligible transaction within 30 days of card issuance (effectively acting as a reversal of the first-year membership fee).".
Tata Neu Infinity HDFC Bank Credit Card earns NeuCoins at a primary rate of Up to 5% NeuCoins (Up to 10% total with NeuPass). Specifically, Earn 5% back as NeuCoins on non-EMI spends at Tata Neu and partner Tata brands (BigBasket, Croma, Westside, Tata 1mg, etc.). Earn 1.5% NeuCoins on all other eligible retail spends. Earn 1.5% NeuCoins on UPI spends via the RuPay variant (capped at 500 NeuCoins per month). NeuCoins on utility and telecom bills are capped at 2,000 per month.. Spends in Shopping, UPI, Rewards, Co-branded categories provide the maximum valueback per transaction on this card.
Yes, because Tata Neu Infinity HDFC Bank Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on Tata Neu Infinity HDFC Bank Credit Card can be redeemed for Tata Neu App & Website for Tata Brands (1 NeuCoin = ₹1) via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 12 months from the transaction date before expiring.
Yes, Tata Neu Infinity HDFC Bank Credit Card features complimentary airport lounge privileges. Privileges include: "Domestic Lounge Access: 8 complimentary visits per year (max 2 per quarter) to partner airport lounges across India (requires a minimum spend of ₹50". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Tata Neu Infinity HDFC Bank Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Tata Neu Infinity HDFC Bank Credit Card levies a forex markup fee of 2.0% of the transaction amount + 18% GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Tata Neu Infinity HDFC Bank Credit Card currently features a welcome offer: "Get 1,499 NeuCoins as a Welcome Benefit on making your first eligible transaction within 30 days of card issuance (effectively acting as a reversal of the first-year membership fee).". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Available as a RuPay credit card and allowing high-value 1.5% cashback on everyday UPI payments. However, keep in mind that Domestic lounge access is locked behind a strict ₹50 and 000 quarterly spend hurdle. Overall, Tata Neu Infinity HDFC Bank Credit Card delivers strong value if your regular spending aligns with Shopping, UPI, Rewards, Co-branded.
Yes, Tata Neu Infinity HDFC Bank Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver (up to ₹500 per statement cycle) at all fuel stations across India on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
